我国第三方支付平台的法律规制问题

发布时间：2018-06-24 21:47

本文选题：第三方支付 + 电子商务　；参考：《郑州大学》2016年硕士论文

【摘要】：经济势态若要保持健康平稳增长,离不开支付体系的完善健全。随着互联网推动的电子商务的进步,与之相协调的第三方支付机构异军突起,在电商平台乃至线下市场的扩张规模都以惊人速度发展,支付机构代为保管的客户资金数额也日渐增加。目前,全国境内已有超过270家第三方支付机构获得央行颁发的第三方支付牌照,这些机构有着特殊的类金融机构性质,他们的快速发展,对于繁荣支付市场、方便公众资金结算来说无疑是巨大的推动力量。第三方支付机构作为互联网金融行业的重要角色,目前已发展得十分壮大,关乎着国家经济的安全与稳定。但由于目前对第三方支付企业仍缺乏全面的法律规范体系,监管的滞后极易造成用户直接经济损失,甚至威胁到我国的金融安全,所以在当下逐步形成完善健全的支付机构法律监管体系,已是势在必行。作为法学学科中的理论源泉,法理学研究的是法律现象以及法的本质中的普遍规律,为各个部门法学提供了原则性的理论支撑。若要构建一个完整的第三方支付法律体系,仅仅从某一部门法出发是不够的,必须站在法理学的高度来全盘把握、宏观研究。本文将第三方支付平台所属的部门法与法理学相融合,首先对第三方支付平台予以定位,并以第三方支付机构的健康发展为出发点,剖析支付业务过程中的法律特征和法律关系,分析借鉴欧美等发达国家和地区对第三方支付机构的立法经验,结合我国的立法现状,总结出目前我国的第三方支付机构发展过程中,监管层面所暴露的若干问题和不足之处,并试着提出解决意见,即提高第三方金融机构支付服务的法律位阶,完善配套的法律体系,加强对交易中备付金的监管,为第三方支付机构的健康发展创造法治环境,为打造一个愈发高效便捷的支付市场而努力。
[Abstract]:If the economic situation is to maintain healthy and steady growth, the payment system can not be perfect and sound. With the progress of electronic commerce promoted by the Internet, the third party payment organizations that coordinate with it have suddenly emerged, and the scale of expansion in e-commerce platforms and even offline markets has developed at an astonishing speed. Payment institutions on behalf of the custody of customer funds are also increasing. At present, more than 270 third-party payment institutions in the country have been granted third-party payment licenses issued by the Central Bank. These institutions have a special nature of financial institutions. Their rapid development has contributed to the prosperity of the payment market. To facilitate the settlement of public funds is undoubtedly a huge driving force. As an important role in the Internet financial industry, third-party payment institutions have developed very strongly, which is related to the security and stability of the national economy. However, due to the lack of a comprehensive legal and normative system for third-party payment enterprises at present, the delay in supervision can easily cause direct economic losses to users and even threaten the financial security of our country. Therefore, it is imperative to gradually form a sound legal supervision system of payment institutions at present. As the theoretical source of the subject of law, jurisprudence studies the legal phenomena and the universal laws in the nature of law, which provides the theoretical support of principle for each department of jurisprudence. If we want to construct a complete third party payment legal system, it is not enough to just start from a certain branch of law, we must hold it from the height of jurisprudence and study macroscopically. In this paper, the law of third-party payment platform is combined with jurisprudence. Firstly, the third-party payment platform is positioned, and the healthy development of third-party payment institution is taken as the starting point. This paper analyzes the legal characteristics and legal relations in the process of payment business, analyzes the legislative experience of developed countries and regions such as Europe and the United States on third-party payment institutions, and combines the current legislative situation of our country. This paper summarizes some problems and deficiencies in the development of third-party payment institutions in China, and tries to put forward some suggestions, that is, to improve the legal rank of payment services of third-party financial institutions. Improve the supporting legal system, strengthen the regulation of the provisions in the transaction, create a legal environment for the healthy development of third-party payment institutions, and strive to create a more efficient and convenient payment market.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.28

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